HYUNDAI 401(K) PLAN Contribution & Employer Match

How HYUNDAI AMERICA TECHNICAL CENTER, INC. Supports Your Retirement Savings

HYUNDAI AMERICA TECHNICAL CENTER, INC. provides retirement savings benefits through HYUNDAI 401(K) PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.

HYUNDAI 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for HYUNDAI 401(K) PLAN is $142,242.00

HYUNDAI 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for HYUNDAI 401(K) PLAN is $10,123.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
647,883.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,123.00 in HYUNDAI 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HYUNDAI 401(K) PLAN

An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.

HYUNDAI 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, HYUNDAI 401(K) PLAN allocates $1,933,017.00 to match its employees’ contributions, providing an employer match rate of 27.59% of their contributions

HYUNDAI 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in HYUNDAI 401(K) PLAN is approximately $2,543.00
Investing in this additonal $2,543.00 for 20 years would give you extra $162,780.00, assuming a 10% annual return.

* Data are from public filings.

Are You Leaving Dollars on the Table?

If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.

Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.

HYUNDAI 401(K) PLAN Contribution & Match Policy

HYUNDAI 401(K) PLAN Plan Policies

HYUNDAI 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan allows participants to elect to defer a portion of their compensation up to 75%, including any catch-up contributions for participants who have attained age 50, not to exceed the maximum amounts allowed for by the Internal Revenue Code and the Plan documents.
  • The Plan also allows participants to defer a portion of their compensation as Roth deferral contributions.
  • The Company will match 66.67% of the amount deferred by the participant up to a deferral of 6%.
  • The Company may also contribute a non-elective discretionary amount determined each year by the Company.
  • Participants are immediately vested in their voluntary contributions plus actual earnings thereon and any non-elective discretionary contribution made by the Company.
  • Vesting in the Company matching contribution portion of their accounts plus earnings thereon is based on years of continuous service.
  • Vesting schedule for Company matching contributions: Years of Service Vested % 1 25% 2 50% 3 75% 4 100%

2025 IRS 401(k) Contribution Limits

The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:

 20242025
Employee elective deferrals (pretax + Roth)$23,000$23,500
Employee + employer contributions combined$69,000$70,000
Catch-up contributions (age 50+)$7,500$7,500
Enhanced catch-up (ages 60–63, SECURE 2.0)N/A$11,250

The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.

Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.

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